It's my understanding when you dispute a bk the only way it can be verified is for someone to go to the court house and pull the records.My understanding is it can't be faxed or mailed to the cra,my thinging is to dispute through my attorney to pull the records for review and while he has them is to dispute with cra.Any thoughts or i'm i incorrect again?
There has to be. Like name spelled wrong asset's and and debt's missing on report which would be an incomplete reporting.If you send them a fax or letter the court will not respond to it.I send a letter 2 months ago they never responded so i asked if they would fax it.The court clerk told me the only way i can get the records was to show up in person.Now if they paid a local to copy i believe that would fall under improper reporting.Is it possible i could be right or is my diet making me think of stupid thing's.Don't be hard on me.i need a sanwich.
Novel thought. Who knows if it will work. Depends on what the hired hands used to verify public records. Your BK can be verified online by anyone with a subscription to Pacer - assuming the court you filed in is a part of the Pacer network, which I think most if not all are.
Because of the electronic filing of bankruptcies now it is almost instantaneous for the actual bankruptcy to appear on your credit report. I work for a BK attorney and we have clients call all the time saying they pulled their CR the day after we filed and POOF it was there. Not sure if there is a way around it cause usually the BK info is far more accurate then any of the other crap on your credit report. I say fight all the other stuff below it (CA's charge-offs etc) say the Bk for last
The info on sch is wrong the amount is like 3000 dollars more then i owe not just one but 3 accounts so it's not 100% correct.I have the correct totals because i saved every statement for the last year leading up to the bk
disputing bankruptcy i have heard of a way to dispute a bankruptcy. i had a chapter 7 last year adn had it dismissed before it went through. needless to say i still ruined my credit report without getting the advantage of getting my debts discharged. anyways...this is what i have been told. 1. dispute the bankruptcy. 2. when it comes back as confirmed, send a procedural letter to the CRA's asking how they verified it. 3. in most cases (as ive been told), they say the courts verified it. 4. COURTS DO NOT VERIFY ANYTHING! call the courts and ask them how they verified it, when they reply that they didnt verify anything, ask to get that from them in writing. 5. forward the information from the courts to the CRA's with the information from the CRA's saying the courts verified it. Include a letter demanding immediate removal as they knowingly provided fase information and is a violation of the FCRA. I'm hoping this will work as having a dismissed bankruptcy is killing my CR's, I think its pretty ridiculous that they say itll stay on my report for 10 years and ruin my credit. I just sent out my procedural letters so I imagine itll be a little while before anything happens. I'll keep you updated!
hey Mavrik, please keep us updated how this went, I a discharged BK Ch7 on my credit report about 6 months now and trying to find a way to get it removed before the 7-10 years mark. My credit is back up to 670 avg now, without the BK, i should be really good. I'm pretty good or consider myself pretty good with getting collection agency deleted from my credit report, if you need help let me know.
The CRA's will never divulge the furnisher of information and this is the way to dispute the BK, if in fact there are procedural errors on the credit report, such as accounts shown as included in the BK, but in actuality not included. Differences in the totals, etc. Dispute for the furnisher of information, they will say it's the courthouse, however, courthouses don't divulge this information as it is a violation of the privacy act. Wait 30 days, when they don't say who the furnisher of info is, give them 15 more days and then file suit in federal court. Violation of the FCRA. Don't send to anyone, but the VIP departments of the 3 cra's.
Ya I'll keep you guys posted. I'm in Iraq right now and go home on R&R next month so we'll see how soon I get the mail back. OP85063- I have several charge off/collections, mostly with the OC's on my report. You have any advice? I sent of goodwill letters last week, who knows if that'll do any good. What did you do? Old Marine 8 - Have you done this before yourself or know of anyone who has that its worked for? Also, my bankrupcty was dismissed, only on TU it shows $0 for liability which is wrong, and on the other 2 it doesn't list anything. Do you know of any other tricks to dispute this as it was dismissed adn not discharged?
If their on the pacer system they will most courts are.You hope is to find an error in reporting such as assets and liab.reporting 0 most do!Read up on Supreme court rulings i'm in the process of writing my dispute and should be ready in a couple of weeks.
If their on the pacer system they will most courts are.You hope is to find an error in reporting such as assets and liab.reporting 0 most do!Read up on Supreme court rulings i'm in the process of writing my dispute and should be ready in a couple of weeks. Mine has an error in reporting, both assests and liabilities are listed as $0. You mind sharing your dispute so I can have an idea on how to write one for myself? I've been trying to figure out the best way to write a dispute letter for the inaccuracies to get them to delete it instead of just come back witht he correct dollar amount.
If you call see if you can get the assets and liab.they should be able to tell you.if they can't then dispute with cra,make sure when you get the report back verifyed then ask for the name,address,phone # of the person who verified it with another letter.Remember it has to be 100% correct if not then you can ask for deletion.With mine some of the sch f is incorrect they would not have that information i'm the only one that has the correct totals in the ca's statement that's the basics of my dispute.All you have to write is i dispute on no assets,liabilty listed.
